ESAF Small Finance Bank Balance Sheet Health
Financial Health criteria checks 4/6
ESAF Small Finance Bank has total assets of ₹260.9B and total equity of ₹24.9B. Total deposits are ₹198.7B, and total loans are ₹149.0B earning a Net Interest Margin of 10.4%. It has insufficient allowance for bad loans, which are currently at 2.7% of total loans. Cash and short-term investments are ₹13.6B.
Key information
10.5x
Asset to equity ratio
10.4%
Net interest margin
Total deposits | ₹198.68b |
Loan to deposit ratio | Appropriate |
Bad loans | 2.7% |
Allowance for bad loans | n/a |
Current ratio | Low |
Cash & equivalents | ₹13.65b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ESAFSFB's Assets to Equity ratio (10.5x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if ESAFSFB has a sufficient allowance for bad loans.
Low Risk Liabilities: 84% of ESAFSFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ESAFSFB has an appropriate level of Loans to Assets ratio (57%).
Low Risk Deposits: ESAFSFB's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: ESAFSFB has a high level of bad loans (2.7%).